EXHIBIT 99.1

                  Certifications Pursuant to Section 906 of the
                               Sarbanes-Oxley Act









      CERTIFICATION OF CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFICER
                         OF KLAMATH FIRST BANCORP, INC.
            PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


     The   undersigned   hereby   certify,   pursuant  to  Section  906  of  the
Sarbanes-Oxley  Act of 2002 and in  connection  with this Annual  Report on Form
10-K, that:

     1.   the report fully complies with the  requirements of Sections 13(a) and
          15(d) of the Securities Exchange Act of 1934, as amended, and

     2.   the  information  contained  in the  report  fairly  presents,  in all
          material respects,  the company's  financial  condition and results of
          operations.



/s/ Kermit K. Houser                           /s/ Marshall J. Alexander
Kermit K. Houser                               Marshall J. Alexander
Chief Executive Officer                        Chief Financial Officer

Dated: December 27, 2002